Rajkot Peoples Cooperative Bank

AN INDUSTRIAL TRAINING REPORT ON
FINANCIAL PERFORMANCE OF DEPOSITS

OF
PREPARED BY:
AFSIN M. GILANI
CLASS:
T. Y. B. B. A.
ROLL NO.:
20
SEAT NO.:
ACADEMIC YEAR:
2010-11
COLLEGE:
Lt. M.J.KUNDALIA ENG. MEDIUM MAHILA
COMMERCE & B.B.A. COLLEGE
SUBMITTED TO:
SAURASHTRA UNIVERSITY
GUIDED BY:
PROF. MANISH RAVAL
PROF. FALGUNI PANDIT
R
Responsibility to keep
safe customers money
Punctuality in every
field
C
Co-operative to customer
Best banking
DECLARATION
I, the undersigned AFSIN M. GILANI a student
of T.Y.B.B.A. here by, College declared that the
project work is my own and has been carried out
under the supervision of Prof. Manish Raval & Prof.
Falguni Pandit of Lt. M.J.Kundaliya Eng. Medium
Mahila Commerce & B.B.A. College Rajkot (Gujarat).
I preciously assure you that work has not been
submitted to any other university for any other

examination by me.
The objective of training undertaken is to get
specialization knowledge in specialized field, which
further sharpen and practically in the specialization.
Date : Signature
Place: RAJKOT (AFSIN M.
GILANI)PREFACE
It is very right that as a student have subjected
to know the theoretical aspects of every subject but
in real life there are practical experience count. So to
fully gap of the knowledge, practical knowledge is
very essential than only subject can be thoroughly
understood.
So practical training is the part of our study in
T.Y.B.B.A. It is compulsory for each and every
student to visit at least 15 days in any industry,
company or any organization and prepare the project
report on that.
The visit has been under gone at RAJKOT
PEOPLES CO-OPERATIVE BANK LTD. For the
knowledge of practical study of unit.
This report contains true knowledge and all
aspect over gone in the practical. It covers all the
department of the bank.

ACKNOWLEDGEMENT
I am conscious of my gratitude to many people
who have extended their help and inspiration during
my project work.
I convey my heartiest gratitude first of all to
Saurashtra University for putting on industrial visit
in our syllabus and giving an opportunity to visit it
and after that I thank to my college Lt. M. J.
Kundalia ENG. Medium Mahila Commerce &
B.B.A. College which give me valuable chance and
then I thankful to Principal Shri K. M. Padhiyar sir,

without whom, this task would not have been so
easy. Also, I am thankful To Mr. Shamajibhai
Khoont, Managing Director of RPCB, who gave me
valuable advices and required knowledge for my
report. Also, I would like to thank Prof. Manish
Raval & Prof. Falguni Pandit for their remarkable
contribution. I am indebted to all of them.
I am also thankful to concerned officers of the
RAJKOT PEOPLES CO-OPERATIVE BANK LTD.,
who have shown willingness to improve import
training to the student.
At last, I would like to thank all my friends who
directly or indirectly extended their morale support
and help during the project duration and especially
to my PARENTS.
Place: rajkot (Afsin M.
Gilani)
Sr. Particular Page
no.
No.
CHAPTER-1:EXECUTIVE SUMMARY
- Introduction To Bank 1
- Early History Of Banking 3
- The Origin Of Word-BANK 7
- Types Of Banks 9
- Banking Sector In India 13
CHAPTER-2:CO-OPERATIVE BANK-AN INTRODUCTION
- History Of Co-Operative Banks 15
- Definition Of Co-Operation 17
- Types Of Co-Operative Banks 18
- Principle & Characteristics Of Co- 20

Operative Banks
- Role Of Co-Operative Banks 22

- Registration & Licensing 23
CHAPTER-3:RPCB BANK-AT A GLANCE
- Company History 24
- Company Profile 28
- Branches Of RPCB 29
- Company Hierarchy 30
- Board Of Directors 31
- Competitors 32
CHAPTER-4:AN INTRODUCTION TO DEPOSIT ANALYSIS
- Introduction To Deposits 33
- Meaning Of Deposits 34
- Characteristics Of Deposits 37
- Importance Of Deposits 38
- Types Of Deposits 39
CHAPTER-5:RESEARCH METHODOLOGY
- Introduction 46
- Problem Formulation 47
- The Main Objective Of The Study 48
- Sources Of Data 49
- Data Collection 50
- Tools And Techniques 51
- Research Instruments & Mode Of Contact 52
- Rate of interest on Deposits 53
- Deposits 54
- Deposits From Parties 56
- Total Deposits 68
- Fixed Deposits 74
- Savings Deposits 75
- Current Deposits 76
CHAPTER-7:SUMMARY,FINDINGS & 77
SUGGESTION
SR. PARTICULAR PAGE
CONCLUSION 82
NO. NO. 84
BIBLIOGRAPHY
1. Introduction To Banking 1
2. Early History Of Banking 3
3. The Origin Of Word-BANK 7
4. Types Of Banks 9
5. Banking Sector In India 13

CO-OPERATIVE BANK-AN
INTRODUCTION
SR. PARTICUL AR PAGE
NO. NO.
1. History Of Co-Operative 15
Banks
2. Definition Of Co-Operation 17
3. Types Of Co-Operative Banks 18
4. Principle & Characteristics Of 20
Co-Operative Banks
5. Role Of Co-Operative Banks 22
6. Registration & Licensing 23

SR. PARTICULAR PAGE
NO. NO.
1. Company History 24
2. Company Profile 28
3. Branches Of RPCB 29
4. Company Hierarchy 30
5. Board Of Directors 31
6. Competitors 32
RPCB BANK-AT GLANCE

SR. PARTICULAR PAGE
NO.
NO.
1. Introduction to Deposits 33
2. Meaning of Deposits 34
3. Characteristics of Deposits 37
4. Importance of Deposits 38
5. Types of Deposits 39
AN INTRODUCTION TO DEPOSITS
ANALYSIS
SR. PARTICULAR PAGE
NO. NO.
1. Introduction 46
2. Problem Formulation 47
3. The Main Objective Of The 48
Study
4. Sources Of Data 49
5. Data Collection 50
6. Tools And Techniques 51
7. Research Instruments & 52
Mode Of Contact
RESEARCH METHODOLOGY
ANALYSIS & INTERPRETATION
SR PARTICUL AR PAGE
NO. NO.
1. Rate of interest on Deposits 53
2. Deposits 54
3. Deposits From Parties 56
4. Total Deposits 68
5. Fixed Deposits 74
6. Savings Deposits 75
7. Current Deposits 76

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AN INDUSTRIAL TRAINING REPORT ON

FINANCIAL PERFORMANCE OF DEPOSITS

PROF. MANISH RAVAL

PROF. FALGUNI PANDIT

I, the undersigned AFSIN M. GILANI a student

of T.Y.B.B.A. here by, College declared that the

project work is my own and has been carried out

under the supervision of Prof. Manish Raval & Prof.

Falguni Pandit of Lt. M.J.Kundaliya Eng. Medium

Mahila Commerce & B.B.A. College Rajkot (Gujarat).

I preciously assure you that work has not been

submitted to any other university for any other

The objective of training undertaken is to get

specialization knowledge in specialized field, which

further sharpen and practically in the specialization.

It is very right that as a student have subjected

to know the theoretical aspects of every subject but

in real life there are practical experience count. So to

fully gap of the knowledge, practical knowledge is

very essential than only subject can be thoroughly

So practical training is the part of our study in

T.Y.B.B.A. It is compulsory for each and every

student to visit at least 15 days in any industry,

company or any organization and prepare the project

The visit has been under gone at RAJKOT

PEOPLES CO-OPERATIVE BANK LTD. For the

knowledge of practical study of unit.

This report contains true knowledge and all

aspect over gone in the practical. It covers all the

department of the bank.

I am conscious of my gratitude to many people

who have extended their help and inspiration during

I convey my heartiest gratitude first of all to

Saurashtra University for putting on industrial visit

in our syllabus and giving an opportunity to visit it

and after that I thank to my college Lt. M. J.

Kundalia ENG. Medium Mahila Commerce &

B.B.A. College which give me valuable chance and

then I thankful to Principal Shri K. M. Padhiyar sir,

easy. Also, I am thankful To Mr. Shamajibhai

Khoont, Managing Director of RPCB, who gave me

valuable advices and required knowledge for my

report. Also, I would like to thank Prof. Manish

Raval & Prof. Falguni Pandit for their remarkable

contribution. I am indebted to all of them.

I am also thankful to concerned officers of the

RAJKOT PEOPLES CO-OPERATIVE BANK LTD.,

who have shown willingness to improve import

training to the student.

At last, I would like to thank all my friends who

directly or indirectly extended their morale support

and help during the project duration and especially

Place: rajkot (Afsin M.

- Early History Of Banking 3

- The Origin Of Word-BANK 7

- Banking Sector In India 13

CHAPTER-2:CO-OPERATIVE BANK-AN INTRODUCTION

- History Of Co-Operative Banks 15